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From scenic rides to commuting on city streets, having adequate motorcycle insurance is key. The right policy can provide essential protection while preventing costly mistakes that riders without insurance can make. At Rising Star Insurance, we work to protect our clients with the right motorcycle insurance year-round. Knowing some of the most common insurance mistakes made by riders in Saint Paul, MN, can help you make wise and informed decisions before getting behind the wheel.
Ignoring Custom Part Coverage
Any rider who chooses to upgrade their bike needs to pay close attention to insurance requirements. If you’ve upgraded your bike with chrome detailing or brand-new exhausts, you’ll want to ensure your insurance policy reflects those changes.
Seasonal Changes
It’s also important to evaluate seasonal coverage needs, especially if you’re a year-round rider. Keeping a comprehensive insurance policy year-round is always recommended, even if you’re storing your bike for the winter. Continuous comprehensive coverage can also help reduce premiums over time, even if you ride recreationally.
Skipping Collision Coverage
Liability insurance is not always adequate, whether you ride recreationally and seasonally or you commute to work on your bike. With unpredictable weather risks in MN, it’s highly advisable not to skip comprehensive collision coverage. We can help find a policy that reflects your exact riding needs.
At Rising Star Insurance, we’ll work with you to find the optimal motorcycle insurance coverage for your bike Saint Paul, MN, and beyond. To learn more about the right motorcycle insurance for your riding needs, contact us.